Fees and charges you must pay on HDFC Bank Personal Loans in Ahmedabad

Fees and Charges

Amount to be Paid

Loan processing charges

Up to 2.50% of the loan amount subject to a minimum of Rs. 1000

Prepayment

Salaried – No pre-payment permitted until repayment of 12 EMIsSelf-employed – No pre-payment permitted until repayment of 6 EMIs

Pre-payment charges

Salaried – 4% of the principal outstanding after repayment of 12 EMIs. For top-up/enhancements – 2% of the principal outstandingSelf-employed – 4% of the principal outstanding after repayment of 6 EMIs

No Due Certificate/No Objection Certificate (NOC)

NIL

Duplicate of No Dues Certificate/NOC

Rs. 250/-

Solvency Certificate

Not applicable

Charges for late payment of EMI

24% per annum on amount outstanding from date of default

Charges for changing from fixed to floating rate of interest

Not applicable

Charges for changing from floating to fixed rate of interest

Not applicable

Stamp duty & other statutory charges

As per applicable laws of the state

Loan cancellation charges

Rs. 1000/-

Cheque bounce charges

Rs. 450/- per cheque bounce

Cheque swapping charges

Rs. 500/- per event

Loan re-booking charges/re-scheduling charges

Rs. 1000/-

Eligibility for HDFC Bank Personal Loans in Ahmedabad :

Salaried

Self Employed

Be 21-60 years of age.

Be 25-65 years of age.

Have had a job for at least 2 years, and a minimum of 1 year with your current employer.

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